I am very careful with money as I do not have a high income. I don't believe in paying for brand label clothes. You can often get just as good at op shops and I furnished my house with a lot of op shop bargains. I always pay bills on time and especially visa card. I have a chart of annual bills and divide it by 12 and put that much money into a bills account so the money is always there when the bills come.'That way I know what I can spend on non necessities. Works well as you don't overspend. Have done this all my working life and especially now I am on the pension.
I think I am. We all have a tendency to spend money easily. In my business I get paid every 1-3 months for my services, hence the credit card comes in handy, and it is linked to my house. I've just paid it off - yay! Even on a six figure income, I think I am careful with my cash. Like everyone, I have expenses to match that high income, especially as I am putting as much of my income as I can into my mortgage on my house to kill it fast!
I can go either way. I never get into debt, other than ebay purchases on my credit card. This debt is cleared every month by direct debit. In some ways I guess I am careful but, life is for living, and a little of what you fancy does no harm if you can afford it and I consider myself fortunate that I can do that.